3543 Elon Rd, Monroe, VA 24574 Property Records

Amherst County property record for 3543 Elon Rd, Monroe, VA 24574

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,112 sqft · built 1969
Lot Size	30.3 acres (1,323,135 sqft)
Owner	2 Individual Names on File
Last Sale	$600,000 (Jan 2025)
Tax Bill	$2,866 (2026)
Deeds & Mortgages	May 2019 Mortgage Jul 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`120 A 15`

Property Details

APN / Parcel Number

Primary APN	`120 A 15`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,112 sqft Living Area
1st Floor Area	1,664 sqft
Basement Area	1,664 sqft
Unfinished Basement	1,664 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1986
Architectural Style	Cape Cod
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,323,135 sqft (30.3 acres)
Terrain	Mountain
Garage Type	Built-in
Parking Spaces	1 Parking Space
Porch	Slab
Patio Area	320 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3543 ELON RD
City	MONROE
State	VA
Zip	24574-2546
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A1
Legal Description	ON RT 130 AT AGRICOLA 120 A 15
Legal Subdivision	T D WOODS
Jurisdiction	AMHERST VA
Township / Civil Division	3
Census Block Group	4
Census Block	4147
Census Tract	10100

Owner

3543 Elon Rd is owned and occupied by two individuals who bought it in January 2025.

Source: Amherst County records, as of June 23, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3543 ELON RD, MONROE, VA 24574-2546
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 15, 2019	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE JAMES
Jul 7, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS LLC
Dec 7, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2025 · Amount on File
Deed Sale	Jan 23, 2025 · Amount on File
Prior Sale	Dec 7, 2021 · Amount on File
Deed Document Number	2025198
Prior Transfer Date	Mar 2, 2015
Prior Transfer Doc	001287/611
Record Updated	Sep 20, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	3543 ELON RD, MONROE, VA 24574-2546
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0190001307
Date	May 15, 2019
Instrument	190001307

Lender

Name	BANK OF THE JAMES

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	AMHERST VA
Property Address	3543 ELON RD, MONROE, VA 24574-2546
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0210002675
Date	Jul 7, 2021
Instrument	210002675

Lender

Name	QUICKEN LOANS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	356 Months
Due	Mar 1, 2051

Interest

Rate Type	Fixed Rate
Rate	2.25%

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	AMHERST VA
Recording Date	Dec 7, 2021
Property Address	3543 ELON RD, MONROE, VA 24574-2546
Document Number	0210004784
Instrument Date	Nov 22, 2021
Instrument	210004784
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3543 ELON RD, MONROE, VA 24574-2546

Mortgage

Document Number	0210004785
Date	Dec 7, 2021
Instrument	210004785

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Oct 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2026 property tax bill for 3543 Elon Rd was $2,866, up 148.1% from the year before.

Source: Amherst County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Virginia
County	Amherst County
Unified School District	Amherst County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,866.00 (+148.14%)	$189,400 Land $33,800 Building $155,600	$511,900 Land $38,200 Building $473,700
2025	$1,155.00
2024		$251,000 (-) Land $95,400 Building $155,600	$251,000 (-) Land $95,400 Building $155,600
2023	$1,155.00	$251,000 Land $95,400 Building $155,600	$251,000 Land $95,400 Building $155,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3543 Elon Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective February 14, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	6 (1985–2016)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Jun 2016 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3543 Elon Rd is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 62% of Virginia
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Firefly Fiber Broadband Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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